the Lakes of Harmony
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 1 closed sale in The Lakes Of Harmony in St Cloud, FL, the most recent in July 2026. Across St Cloud as a whole, 2,190 homes closed in the last 12 months at a median of $414,990, 46 median days on market, with 597 homes for sale today. At that median and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $6,320 ($5,720 with the full homestead exemption).
Part of the Harmony master-planned community in St. Cloud, FL — see all Harmony homes for sale (156 listings across 44 villages and sections in the MLS).
The market around the Lakes of Harmony
the Lakes of Harmony is too small for its own price trend, so here is the market around it.
In ZIP 34773, 187 homes are on the market and 27% are under contract — a steady corner of St Cloud.
Across Osceola County, 4,423 homes are active and 1,079 pending (20% under contract).
ZIP and county figures describe the wider market, not the Lakes of Harmony specifically. Momentum Research analysis of MLS records.
Life at the Lakes of Harmony
- Basketball Court · reported on 1 of 1 listings
- Clubhouse · reported on 1 of 1 listings
- Fitness Center · reported on 1 of 1 listings
- Gated · reported on 1 of 1 listings
- Golf Course · reported on 1 of 1 listings
- Park · reported on 1 of 1 listings
- Pickleball Court(s) · reported on 1 of 1 listings
- Playground · reported on 1 of 1 listings
- Pool · reported on 1 of 1 listings
- Tennis Court(s) · reported on 1 of 1 listings
- Trail(s) · reported on 1 of 1 listings
- Association Recreation - Owned · reported on 1 of 1 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
The the Lakes of Harmony buying strategy.
If we were buying in the Lakes of Harmony today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in the Lakes of Harmony.
The location and the amenities are priced into every listing in the Lakes of Harmony. The deal is won or lost on condition, the comps, and the renovation math.
HOA, CDD & Fees
- HOA dues reported around $160/month (about $1,920/yr) · median of 7 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $160 per month ($1,920 a year) - the median AssociationFee across 7 MLS records, normalised to a monthly figure; most are billed quarterly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a the Lakes of Harmony buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed the Lakes of Harmony sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in the Lakes of Harmony, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your the Lakes of Harmony home worth?
Get a no-obligation home value based on real comparable sales in the Lakes of Harmony, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in the Lakes of Harmony on the map →
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 12, 2026) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2026 (1 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how The Lakes Of Harmony fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about the Lakes of Harmony
Where is the Lakes of Harmony?
the Lakes of Harmony is a community in ST CLOUD, Osceola County, Florida, ZIP 34773.
Are there homes for sale in the Lakes of Harmony right now?
No active listings inside the Lakes of Harmony at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does the Lakes of Harmony have an HOA or CDD?
No HOA is on record for the Lakes of Harmony in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
More St. Cloud & Kissimmee, St. Cloud & Osceola County guides
Compare before you commit - every guide covers pricing, HOA/CDD, insurance posture, and fit. Browse all of Kissimmee, St. Cloud & Osceola County or the full Neighborhood Finder.
Nearby Communities
Explore more neighborhoods near the Lakes of HarmonyHomes for Sale in St with Momentum Realty’s local guides.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Osceola County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Osceola County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
THE LAKES OF HARMONY Market Scorecard
THE LAKES OF HARMONY is currently a no active listings market. Limited supply, a median asking price of n/a.
Typical home value in the 34773 ZIP is $383,619, about 19.2% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.